I got stuck in the water during heavy downpour recently, and my insurance declined my claim, citing wear and tear damage to the car and not water damage

I got stuck in the water during heavy downpour recently, and my insurance declined my claim, citing wear and tear damage to the car and not water damage.My car was fine until that unfortunate incident but I was told that that's the findings of their assesors.Zamokuhle(Bsure Insurance Advisors)has been calling and checking how things are currently, and advising me on ways and steps to take in disputing that.